Independent Fiduciary
A fiduciary is required to put their client's needs ahead of their own. Less than 10% financial advisors in the U.S. are required to work under the fiduciary standard set for Registered Investment Advisors. The Certified Financial Planner Board of Standards sets its own strict fiduciary standard that certificate holders must abide by.
Socially Responsible
Environmental, social and corporate governance (ESG) funds allow you to invest your money into causes you believe in. Socially responsible investing (SRI), also known as sustainable, socially conscious, green, or ethical investing, is shaping the future. We build custom investment strategies that consider both financial returns as well as the social causes clients request.
Fee Only Advisor
Traditionally, financial advisors were paid a commission each time clients purcahse an investment. There is an inherent conflict of interest in working that way. This is why, in order to provide objective advice, I work under a fee only model. Clients can pay by the hour, project, or retain ongoing services through a percentage of the investment assets managed.
Q1 Market Commentary
The first quarter of 2018 is coming to an end and the market news is mixed. The Dow Jones and…
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Retirement Distribution Tax Planning
“Please consult your tax advisor.” This is the standard disclaimer brokerage firms give whenever a client requests a withdrawal from…
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Dow down 4.6%? Don’t panic.
The Dow Jones Industrial Average dropped 1,175.21 points today. It was the largest point drop in the history of the…
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New Roth IRA Recharacterization Rule
A major change to the tax rules starting in 2018 could leave many paying high taxes on investments that they…
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Tax Gain Harvesting
Minimizing your taxable liability on investments allows you save more towards your goals. Most people investment in retirement accounts. That…
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Books for Investors
Being a well read financial advisor is critical part of helping clients succeed in their goals. Most of the time,…
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How Registered Investment Advisors Are Different
There are about 285,000 financial advisors nationwide. Quick question… how many of them do you think are legally required to…
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ESG – Environmental and Social Governance Investments
Eighty percent of investors want their investments to deliver competitive returns while promoting positive social and environmental outcomes. For younger…
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Building a Financial Plan
If you’ve paid for financial advice before, you know it can be expensive. Building a proper financial plan can take…
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Health Savings Account
A Health Savings Account (HSA) is a tax-exempt trust or custodial account that helps pay medical expenses. Contributions to HSAs…
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Fiduciary Rule
Fiduciary Standard A fiduciary is a person or organization that is bound both legally and ethically to act in your…
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Socially Responsible Investments
When you invest, you’re voting with your money. Despite what happens in Washington D.C., you can always make a difference.…
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Presidential Impeachment: Impact on the Stock Market
How would the stock market react to President Trump’s impeachment? Politics is a passionate subject for many, but most would…
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The Affordable Care Act
A client I work had taxable income over $300,000 in 2016. The ObamaCare tax on that income was $1,801. This was on the…
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Insuring Your Financial Plan
Insurance is a key component of any financial plan. When it comes to investing for the future, most people think…
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Small Business Tax Deductions
The tax structure of many small businesses allows the owner to deduct certain expenses. This helps reduce their personal tax…
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Investment Professional Guide
Investment Professional Guide As an investor, understanding your needs is an important part of determining what kind of investment professional…
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Important Tax Filing Deadlines
Important tax filing deadlines for 2017 are listed below. As always, consult with your tax advisor if you have additional…
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Reporting a Retirement Rollover
You’ll have many jobs, but only one retirement. You’ll also have many 401(k) plans, but you only need one retirement…
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Employee Stock Purchase Plans
Employee Stock Purchase Plans (ESPP) are a great incentive for companies that want to promote ownership to employees. This widely…
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© 2017 Phoenician Financial Planning, LLC. Securities offered through Folio Institutional, Inc., member FINRA / SIPC.